*There are no fees for the use of BBVA Compass and Allpoint(R) ATMs. ATMs are available nationwide and are marked with an Allpoint(R) decal. Visit bbvacompass.com/locations for Allpoint(R) ATM locations.

Insufficient Funds (NSF) Charge - Returned Item

$32

Per returned item presented against insufficient funds (see maximum penalty fee number below)

Deposit Item Returned Fee

$15

For each item that you deposit that is rejected by the payor bank ($25 for foreign items)

Stop Payment Fee

$30

Per request made in a branch or by telephone to stop payment of an item

$25

Per request made online to stop payment on a check

Early Account Closing Fee

$25

If account closed within 180 days of opening

Other Service Fees

Please consult your account disclosure for a list of additional service fees, including the Paper Statement Fee

Overdraft Options for Consumers with Debit Cards

Overdraft Options for Consumers with Debit Cards

Option A: (Default)

No Overdraft Service

If you choose not to opt in to our Courtesy Overdraft Option service or any other overdraft service, ATM and everyday debit card transactions that would cause an overdraft may be declined at no cost to you.

Option B: Linked Account Overdraft Sweep Service

Inter-Account Transfer Fee
(Overdraft Transfer Fee)

$7

Per day in which an overdraft is covered by a transfer from a linked savings account

Option C: Overdraft Line of Credit*

Overdraft Protection Fee
(Overdraft Transfer Fee)

$7

Per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, including credit approval)

Option D: Courtesy Overdraft Option

Insufficient Funds Charge - Paid Item Fee (Overdraft Penalty Fee)

$32

Per overdraft item covered by the bank

Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

Maximum Number of Overdraft Penalty and NSF Fees per Day

6

You will only be charged this number of overdraft penalty and NSF fees per day, even if we elect to cover additional overdrafts or return additional items.

Minimum Amount Required to Trigger an Overdraft Penalty Fee

An overdraft item that causes the available balance on your account to be overdrawn by more than $1.00 will cause you to incur an overdraft penalty fee.

Extended Overdraft Service Charge (Extended Overdraft Penalty Fee)

$25

Charged when your account remains overdrawn by more than $1.00 for ten (10) consecutive calendar days. An additional $25 Extended Overdraft Service Charge will be charged if your account remains overdrawn by more than $1.00 for twenty (20) consecutive calendar days.

* An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees; your line of credit may not be sufficient to cover all transactions.

Processing Policies

Processing Policies

Posting OrderThe order in which withdrawals and deposits are processed

We process and post transactions — both credits (including deposits) and debits — throughout the day. This approach allows us to more closely match the posting of transactions on your account with the timing of your actual account activity.

Note: Deposits received and posted late in the day will not cover payments and withdrawals posted earlier the same day.

Summary of Our Deposit
Hold Policy

This is a summary and generally applies when deposit amount is less than $5,000 – absent a deposit hold. See the Consumer Deposit Account Agreement, Funds Availability Disclosure, for a detailed description of our deposit hold policy.

Cash deposit with Teller or ATM: same business day as the day of deposit

Direct deposit and wire transfer: same business day as the day of deposit

Check deposit with Teller or ATM: same business day as the day of deposit

If something causes a longer hold on a deposit, the first $200 of that deposit will generally be made available the same business day as the day of deposit.

Mobile Deposit: Within 5 business days or less. Date displayed in mobile application.

A "business day" is a non-holiday weekday. At branches, business days end at closing time. At ATMs, business days end no earlier than 8:30 p.m.

Dispute Resolution

Dispute Resolution

Dispute Resolution Agreement

If a dispute arises between us, either party may require that it be resolved through arbitration, rather than through jury trial. Please see the arbitration and waiver of jury trial provisions in your Consumer Deposit Account Agreement for additional details.

Full Terms & Conditions

ACCOUNT OPENING AND MAINTENANCE

ACCOUNT OPENING AND MAINTENANCE

Minimum Opening Deposit

$25

Monthly Service Charge

$0

Paper Statement Fee

$3 per statement cycle

The Paper Statement Fee will be assessed in the following statement cycle. For example, the Paper Statement Fee for the January statement will be assessed in February and will appear on the February statement.

How to Avoid the Paper Statement Fee

You can avoid the Paper Statement Fee by turning off your paper statements and receiving your account statements electronically through Online Banking.

Early Account Closing Fee

$25

The Early Account Closing Fee is assessed when a new account is closed within 180 days of opening.

ATM FEES

ATM FEES

Fee to Use BBVA Compass ATMs

$0 for using BBVA Compass ATM to complete any transaction.

BBVA Compass Fee to Use another Bank's ATMs

$3.00+

+ATM and/or service fees charged by other banks and ATM owners still may also apply; There are no fees for BBVA Compass and AllPoint(R) ATMs with use of your ClearConnect Checking Debit Card. AllPoint(R) ATMs are available nationwide and are marked with an Allpoint(R) decal. Visit bbvacompass.com/locations for Allpoint(R) ATM locations.

International Service Fee (ATM)

1% of transaction amount

International Service Fee (non-ATM)

3% of transaction amount

International Transactions are those transactions using your ATM or Check Card made outside of the United States, even those in US dollars. A full description of the currency conversion process is contained in your ATM/Check Card Agreement.

OVERDRAFT / INSUFFICIENT FUNDS FEES

OVERDRAFT / INSUFFICIENT FUNDS FEES

Insufficient Funds Charge (NSF) - Paid Item

$32 per item*

Insufficient Funds Charge (NSF) - Returned Item

$32 per item

*Insufficient Funds (NSF) Charge – Paid Item Fee is not charged on an item that causes the available balance on your account to be overdrawn by $1.00 or less.

The NSF charges described above are applied for processing items presented for payment against insufficient funds (NSF) with a maximum of six (6) charges per day. These charges are imposed on items created by check, in-person withdrawal, ATM withdrawal, Check Card transaction, or other electronic means.

Extended Overdraft Service Charge

$25 per occurrence. Charged when your account remains overdrawn by more than $1.00 for ten (10) consecutive calendar days. An additional $25 Extended Overdraft Service Charge will be charged if your account remains overdrawn by more than $1.00 for twenty (20) consecutive calendar days.

Inter-Account Transfer Fee

$7 per day on which any such transfer occurs. Transfers funds from customer designated account to cover potential overdrafts in checking account.

Overdraft Protection Fee

$7 per day in which an overdraft is covered by a transfer from a linked line of credit (subject to approval, Including credit approval) An APR of 21% applies to the Overdraft Protection Line of Credit. Having an Overdraft Protection Line of Credit does not guarantee you against paying NSF fees: your line of credit may not be sufficient to cover all transactions.

STOP PAYMENT FEES

STOP PAYMENT FEES

Stop Payment Request (Branch/Phone)

$30 per request

Stop Payment Request (Online Banking)(checks only)

$25 per request

DEPOSIT FEES

DEPOSIT FEES

Deposit Item Returned

$15 per item

Deposit Item Returned (Foreign)

$25 per item

DEBIT CARD FEES

DEBIT CARD FEES

Personalized Photo Debit Card Fee

$10 for each Personalized Debit Card

Replacement Card Fee

$5 ($10 for personalized Debit Card)

Rush Replacement Card Fee

$50

OTHER STATEMENT FEES

OTHER STATEMENT FEES

Statement Upgrade Fee (Image Statement Fee)

$5 per statement cycle

Special Statement

$5 per statement cycle

A special statement may include, but not be exclusive to the following: daily statements, duplicate statements, hold statements and statement printouts.

WIRE TRANSFER FEES (all fees are per transfer)

WIRE TRANSFER FEES
(all fees are per transfer)

Domestic:

- Incoming (Customer)

$15

- Outgoing (Customer)

$30

- Outgoing Repetitive (Customer)

$25

International:

- Incoming (Customer)

$10

- Outgoing (Customer)

$55

Confirmation:

- Fax/Email

$3

- Mail/Phone

$5

MISCELLANEOUS FEES

MISCELLANEOUS FEES

Cash Handling Fees:

- Rolled Coin

$0.10 per roll

- Strapped Currency

$0.20 per strap

- Bank Bags (Zipper)

$5 per bag

- Bank Bags (Locked)

$20 per bag

Check Charges:

- Temporary Checks

$1 each

- Personal Checks

Personalized check order charges, including tax and shipping and handling, are debited from your account when your order is placed. Check order charges vary.

- Cashier's Checks

$10 each

Collection Items (all fees are per item):

- Incoming

$20

- Outgoing

$20

- Non-Customer

$25

- Bond Coupon

$5

- International

$40 plus costs

Deposit Fees:

- Deposit Correction Fee

$2.50 per item

- Deposits to Closed Accounts

$25.00 per deposit

Legal Fees:

- Garnishments, Levies, Court Orders

$150 plus attorney fees

Reconcilement/Research Fees:

- Reconcile Statement

$25 per hour

- Research

$25 per hour

- Copy of Fax

$3 per page

TELEPHONE BANKING FEES

TELEPHONE BANKING FEES

Staff-Assisted Call (over 5/month)

$1 per call over 5 in a month

Telephone Transfer Fee

$3 per transfer

ONLINE AND MOBILE BANKING FEES

ONLINE AND MOBILE BANKING FEES

Online Banking

No charge

Online and Mobile Bill Pay

No charge

Mobile Banking

No charge

Message and data rates may apply - check with your wireless provider.

Important Information about the Account Opening Bonus

New BBVA Compass customers may be eligible for $250 in cash bonuses from November 5, 2018 - November 20, 2018, by opening a new qualifying BBVA Compass consumer checking account, and one of the following: BBVA Compass consumer savings account. See the stipulations listed below.

How to qualify for the $200 Checking Bonus (“Checking Bonus”):

You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus.

Within sixty (60) days of account opening, at least one electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government in the amount of at least $500 must post to the new checking account

The $200 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to $0.00 at the time of payment in order to receive the new account bonus.

If you earn the $200 Checking Bonus, you could also earn an additional $50 by opening a BBVA Compass consumer savings account. You must first qualify for the Checking Bonus in order to qualify for the Savings Bonus. The maximum bonus amount is $250. Please see stipulations listed below for each bonus.

How to qualify for the $50 Savings Bonus (“Savings Bonus”):

You must be a new BBVA Compass consumer savings customer who has not had a BBVA Compass consumer savings account open within the last 12 months or closed due to negative balance to be eligible for the bonus

Account must be opened with a minimum balance of $100 in your new BBVA Compass Savings account. The minimum balance of $100 must be maintained through January 23, 2019 to qualify.

The $50 cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to $0.00 at the time of payment in order to receive the new account bonus.

The BBVA Compass savings account holder must be an account holder on the new BBVA Compass consumer checking account

Other Information:

Checking and savings accounts are subject to approval which may include credit approval

Offer subject to change at any time without notice. BBVA Compass may report the value of the bonus to the IRS as required by law. Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus.

We reserve the right to deduct the bonus amount if the account is closed within 12 months of opening.

Applicable Fees and Service Charges

Your account will be subject to the terms and conditions, including all fees and service charges, applicable to BBVA Compass accounts in the state where we maintain your account. For purposes of this disclosure, your account will be deemed to be maintained in the state where you opened your account. Your account is considered to have been opened: if you opened your account by mail, at the location where the mail was received by us; or if you opened your account electronically (including by telephone) and your address is in a state where we have branch offices, in the state of your address at the time you opened your account; or if otherwise, in Alabama.